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World2Cover

Heading abroad? Compare World2Cover Travel Insurance and see if it's the right policy for you

World2Cover, part of the Tokio Marine Group, has been offering insurance solutions since 1879 and has been in Australia since 1963. World2Cover offers three levels of travel insurance cover: Basic, Essential and Top. World2Cover also offers a domestic policy.

World2Cover also offers optional ski and winter sports cover if you’re planning a holiday in the snow and need specialised protection.

The insurer and issuer of World2Cover Travel Insurance is Tokio Marine & Nichido Fire Insurance Co Ltd. Tokio Marine opened its doors in 1879 and now has operations in more than 39 countries around the world. It boasts more than 40,000 employees and has a history in Australia dating back to 1963.

Ski Cover

Available as an option on Essentials Cover, Top Cover and Domestic Cover for an extra premium

Covers the accidental loss, theft or damage of your skiing equipment, as well as the cost of purchasing a new ski pass if yours is lost or stolen

Covers unused ski passes, ski hire, tuition fees or lift passes when you are unable to use them due to illness or injury

Covers lift and piste closure as well as travel to an alternative resort if you’re unable to ski at your pre-booked resort

Includes cover for bad weather and avalanche and provides protection for 15 winter sports activities

Cover

Basic

Essential

Top

Accidental Death

$15,000 per person

$25,000 per person

Accidental Disability

$15,000 per person

$25,000 per person

Cancellation Fees

$500

$1,000

Cancellation Fees and Lost Deposit *

$25,000

Unlimited**

Cash in Hospital

$1,500

$3,500

$6,000

Domestic Pets *

$650

Domestic Service *

$1,500

Emergency Expenses *

$5,000

$25,000

Unlimited

Financial Default *

$5,000

$10,000

Funeral Expenses Overseas

$10,000 per person

$15,000 per person

$20,000 per person

Highjack and Kidnap

$5,000 per person

$10,000 per person

Loss of Income

$5,200

$10,400

Luggage *

$2,000

$7,500

$15,000

Luggage Delay

$500

$750

Overseas Dental

$500

$2,000

$2,000

Overseas Medical and Hospital

Unlimited

Unlimited

Unlimited

Personal Liability

$10,000,000

$10,000,000

$10,000,000

Personal Money

$250

$500

Rental Vehicle Excess *

$4,000

$5,000

Resumption of Travel

$1,500

$3,000

Special Events

$2,000

$5,000

Travel Agent Fees

$2,000

$4,000

Travel Delay *

$1,500

$3,000

Travel Documents

$1,500

$3,000

Optional Cover – Ski and Winter Sports - Equipment Hire

$1,000

$2,000

Optional Cover – Ski and Winter Sports - Ski Pack

$500

$1,000

Optional Cover – Ski and Winter Sports - Piste Closure*

$500

$1,000

Optional Cover – Ski and Winter Sports - Bad Weather and Avalanche

$500

$1,000

Optional Cover – Ski and Winter Sports - Lift Pass

$250

$500

*Sub-limits may apply

Benefits available on World2Cover Travel Insurance policies

Cancellation fees and lost deposits. When you need to cancel or abandon your trip due to circumstances outside your control, such as the death of a family member or a job loss, World2Cover will cover your non-refundable deposits and any cancellation fees.

Overseas medical, dental and related expenses. If you’re hospitalised overseas, you can be covered for your medical, surgical, hospital and ambulance transportation costs, while limited cover is also available for emergency dental expenses. Medical evacuation is covered if required, while a hospital cash allowance is also offered to cover your out-of-pocket expenses while in hospital.

Luggage and personal money. This benefit provides cover for lost, stolen or damaged luggage and personal belongings as well as for money stolen from your person.

Emergency expenses. This benefit covers additional accommodation, meal and travelling expenses when your trip is disrupted due to a range of reasons, such as a stolen passport, natural disaster or you being declared medically unfit to travel. Cover is also available for the cost of resuming your trip after you are forced to return to Australia and to get you to a pre-arranged special event on time (such as a wedding) following an unexpected travel delay.

Accidental death. A lump-sum benefit is payable if you die as a result of an accidental injury or a terrorist act during your trip.

Accidental disability. You will be covered if you suffer an accidental injury during your trip that leads to you becoming totally and permanently disabled.

Legal liability. This benefit offers financial protection if you injure someone else or damage their property during your journey.

Rental vehicle excess. If your rental car is stolen, maliciously damaged or involved in a collision, World2Cover will reimburse you the cost of the rental vehicle insurance excess.

Loss of income. When an injury or illness suffered during your trip leads to you being disabled and unable to return to work following your trip, you will receive a benefit for lost income.

Financial default. This benefit provides cover in the event that a travel service provider defaults and you incur costs to rearrange or cancel your trip.

Domestic pets. If your return to Australia is delayed by a covered event, World2Cover covers the cost of additional boarding kennel or cattery fees. Cover is also available if your pet suffers an injury during your journey and needs veterinary treatment.

Domestic services. If you’re injured during your journey and still disabled when you return home, this benefit will help cover the cost for housekeeping services you are unable to perform yourself.

Travel delay. When your scheduled transport is delayed by at least six hours due to circumstances beyond your control, World2Cover will pay for your additional accommodation, meal and travelling expenses.

Hijack and kidnap. This policy feature ensures that a benefit is paid if you are the victim of a hijacking or kidnapping.

Additional cover available

Ski and winter sports cover. If you’re taking a skiing or snowboarding holiday, you can purchase this optional cover with Essentials Cover, Top Cover and Domestic Cover policies. It covers you for lost or stolen equipment, stolen ski passes, ski lift closure and more. You can find additional details about what this optional extra covers above.

Excess eliminator. If you’re happy to pay an additional premium when you purchase your World2Cover travel insurance policy, you can remove all excesses from your policy.

Pre-existing medical conditions

When you apply for travel insurance with any provider, including World2Cover, you need to declare any pre-existing medical conditions upfront. Failing to do so could lead to future claims being rejected and the insurer cancelling your policy. Pre-existing conditions include any medical conditions or symptoms that you are aware of, any condition for which you take prescribed medicine or any condition for which you have had surgery.

There are 38 pre-existing conditions that World2Cover automatically covers, including asthma, allergies, diabetes, epilepsy and hypothyroidism. You can find a full list of covered conditions in the product disclosure statement (PDS).

If your condition is not included in this list, or if it has caused you to be hospitalised in the past 24 months, World2Cover will not pay any claims for overseas medical expenses or for cancellation fees and lost deposits. In addition, if you have a history of cardiovascular disease, conditions such as diabetes, hypertension, hypercholesterolaemia and hyperlipidaemia will be excluded (they would otherwise be covered).

Additional options available on World2Cover travel insurance policies

Ski cover. Ski cover is available with a Top, Essentials or Domestic policy from World2Cover, but is not available with a Basics policy. It allows you to take out winter sports cover for your skiing or snowboarding trip, providing the following cover:

Accidental loss, theft and damage of your skiing equipment

Lifts, ski passes, ski hire, lift passes and tuition fees you cannot use due to illness or injury

Travel to an alternate resort and the purchase of additional ski passes when you can’t ski at your pre-booked resort due to piste closure

Travel accommodation when your outward journey is delayed for more than 12 hours by bad weather or an avalanche

Ski pass theft

World2Cover travel insurance claims

If you need urgent assistance while travelling, World2Cover’s emergency assistance team can be contacted by phone anywhere in the world. You can access the advice and help you need 24 hours a day, 7 days a week.

If you need to lodge a claim on your World2Cover policy, the quickest way is to use the online claim form available on its website. This form is available 24/7 and you will need to follow a few simple steps to complete your claim:

Register with the same email address you used when purchasing your policy.

You will then receive an email that guides you through the process of setting up a password.

Login to your account and provide details of your claim by filling out all sections.

Submit your claim. It will be assessed within 10 working days and the insurer will contact you to let you know whether any more information or documentation is required.

Who is eligible for World2Cover travel insurance?

World2Cover travel insurance is available to Australian residents who

Are aged between 18 and 74 years

Purchase a policy before they begin their journey

Begin and end their journey in Australia

Temporary residents can also take out cover as long as they

Are aged between 18 and 74 years

Hold a current Australian visa that will still be valid once their trip ends

Hold a return ticket

Have a home address in Australia that they intend to return to

Purchase a policy before they begin their journey

Begin and end their journey in Australia

Some final questions you might have about World2Cover

Yes, cover is provided for your children and grandchildren that are travelling with you, are under the age of 25 and are not working full-time. They will need to be listed on your certificate of insurance.

Cover starts under your World2Cover policy as soon as the insurer has received your premium payment and you have received your certificate of insurance.

Yes, there is a 14-day cooling-off period. This means you can cancel your insurance within the first 14 days of taking out cover and receive a premium refund.

A standard excess of $1,00 applies to World2Cover Top, Essentials and Basics policies. However, you can remove this excess by paying an additional premium.

World2Cover automatically covers 38 pre-existing conditions, including asthma, diabetes and osteoporosis. A full list of covered conditions is available in the Product Disclosure Statement. If your condition is not listed, then it is not covered by the insurer.

No, these are covered by Medicare and private health insurance rather than travel insurance.

This article reviews Boomers Travel Insurance' various policies and extra coverage options, as well as outlining any extra benefits, how to claim, whose eligible and any other information that may be useful to the reader.

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